Senior Commercial Middle Market Credit Analyst

Fifth Third Bancorp
California, San Diego, Ontario
Workplace: OnsiteFull timeUSD 71,100 - 145,900 annuallyFunction: Banking, Lending & CreditExperience: 3+ yearsEducation: bachelorsSkills: ["Integrity","Communication","Analytical judgment","Problem-solving","Attention to detail"]

Support end-to-end underwriting and ongoing portfolio monitoring for commercial middle-market credit relationships. Independently perform financial and risk analysis, draft credit approval memoranda, and build base and downside projection models and sensitivity analyses. Manage covenant compliance, financial statement reviews, and risk rating model execution/validation, ensuring accurate and timely credit data while escalating emerging risks and acting as a resource for junior analysts.

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Fifth Third Bancorp
Fifth Third Bancorp
3 weeks ago

Senior Commercial Middle Market Credit Analyst

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Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live
Reposted: first listed 2 weeks ago

Job Summary

Support end-to-end underwriting and ongoing portfolio monitoring for commercial middle-market credit relationships. Independently perform financial and risk analysis, draft credit approval memoranda, and build base and downside projection models and sensitivity analyses. Manage covenant compliance, financial statement reviews, and risk rating model execution/validation, ensuring accurate and timely credit data while escalating emerging risks and acting as a resource for junior analysts.
Location: California, San Diego, Ontario
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Partner with Portfolio Managers and/or Underwriters to support complex underwriting, structuring, and ongoing monitoring of commercial credit relationships.
  • •Independently analyze borrower and guarantor financial statements, including cash flow sustainability, leverage, liquidity, and profitability trends.
  • •Lead preparation of credit approval memoranda, including company/industry analysis, credit risk identification/assessment, and base and downside projection models.
  • •Develop, review, and validate historical financial charts, projection models, and sensitivity analyses; manage ongoing portfolio monitoring activities (covenant compliance, financial statement reviews, and risk rating model execution/validation).
  • •Prepare portfolio review materials for management and risk committees, ensure data accuracy/integrity/timeliness, resolve data/documentation/analysis deficiencies, and escalate emerging risks and policy exceptions.

Pay and Benefits

Salary: USD 71,100 - 145,900 annually

Key Requirements

  • •Bachelor’s degree in Business, Finance, Accounting, or a related field.
  • •3+ years of experience in Commercial Banking, credit analysis, underwriting, or a related role.
  • •Strong financial analysis and credit risk assessment skills, including development and review of financial models and projections.
  • •Advanced working knowledge of commercial banking products, services, and credit structures.
  • •Solid understanding of corporate legal structures and common credit-related legal documents.
Experience:3+ yearsCommercial bankingCredit analysisUnderwriting
Education:Bachelor's
Skills:IntegrityCommunicationAnalytical judgmentProblem-solvingAttention to detail
Tech Stack:Microsoft ExcelMicrosoft PowerPointMicrosoft OfficeInternal banking systems

Company Brief

Fifth Third Bancorp
Fifth Third Bancorp is a diversified bank holding company offering consumer, commercial, and wealth management services. Through its banking subsidiaries, it provides deposits, lending, treasury management, payments, and investment solutions across the Midwest and Southeast.
Industry: Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Cincinnati, United States
Founded: 1858
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